Microfinance Pro Forma
Credit Excel Template (Free Download)
Turn borrower growth, loan cycles, repayment behavior and funding costs into a projected microfinance portfolio decision view.
professionals from Deloitte
About this pro forma
The underlying Excel model is the engine for borrower acquisition, loan disbursements, amortisation, repayments, interest income, fees, defaults and recoveries. Portfolio cohorts, operating costs, funding and working capital flow through linked statements and cash outputs.
The pro forma converts those mechanics into projected portfolio yield, credit performance, liquidity, profitability and returns. Microfinance lenders, impact investors, credit teams and operators can test outreach growth, product terms and loss assumptions.
What every model includes
Live formulas, no hardcoded values
Outputs are driven by live formulas, so the workbook updates from its assumptions instead of relying on hardcoded results.
All assumptions in one tab
Inputs are clearly marked in the Assumptions tab and separated from calculations, making it clear what to change and what to leave intact.
Statements always balancing
For integrated-statement models, the balance sheet, cash flow, and supporting schedules tie through properly.
Distinct schedules for clarity
Debt, working capital, taxes, and cash flow can get messy quickly. We group calculations in clear schedules, not across disconnected tabs.
No hidden macros or external links
There are no unexplained external workbook links or macros to undermine auditability or portability.
Changes flow through the model
Update a key driver and see the impact carry through the forecast, financing, and return outputs. We never use hardcoded numbers in formulas.
What's inside the Microfinance Pro Forma
- Borrower and loan-cohort growth projections
- Disbursement, amortisation and repayment schedules
- Interest, fee income and portfolio-yield outputs
- Delinquency, default, recovery and credit-loss forecast
- Funding cost, operating expense and liquidity needs
- Cash flow, profitability, portfolio quality and return metrics
Formatted to IB standards
Named theme colors repaint the whole workbook in one click, on top of an investment-banking structure with clear input, output, and cross-sheet reference styling - brand-ready, institutional-grade, and fully auditable.
Created by ex-finance professionals
Hey, I’m Alex and I created Finamodel.
Over my years in the finance industry I kept building the same models over and over again. Same structure, same assumptions, different logo. So I started building frameworks to turn them into clean, reusable templates.
Every model here is one I’d actually use for a client, and I personally vet each one before it goes up.
I’m not an expert in every industry, but I’ve built enough models to know what belongs in one. And when something is completely foreign to me, I reach out to my network for experts to work on our models with us.
Having a template library on hand cuts a first build from hours to minutes.
Need help finding your model? You’ll find me in the Finamodel app!
Frequently asked
What does the microfinance pro forma project?+
It projects borrowers, disbursements, balances, repayments, income, credit losses, funding needs and cash flow.
Can I model loan cohorts?+
Yes. Origination and repayment assumptions flow through vintage balances, yield and loss outcomes.
Are defaults and recoveries included?+
Yes. Delinquency, default, recovery and write-off assumptions drive projected credit costs.
Who uses this output?+
Microfinance operators, impact funds, lenders and analysts use it for portfolio and funding decisions.
Have more financial modelling questions? Contact us
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